After GC -Medical Insurance for parents (70+ age)

Concerned4us said:
One thing to remember is that benefits are generally based on household income; if they physically live with you, your income may come into play. Even living with a roommate can affect eligibility for need based programs.
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Yes,if declared (which claimants should declare,honestly) :)
 
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I am amazed that new citizens would consider fraudulently declaring that parents do not live with them in order to obtain welfare benefits. If one was to violate US laws knowingly, they should not have bothered to come to the US.
 
Concerned4us said:
.... If one was to violate US laws knowingly, they should not have bothered to come to the US....
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Depends where you are coming from. For illegal immigrants this is probably non-issue. Unfortunately, i have spent thousands of dollars and 2 years on legal process. Our parents have taught us to play by rules so i cannot expect them to anything wrong ...nor will I risk the chance of their deportation. So, I will buy insurance at $500/mo, which barely covers anything.... I do feel shortchanged compared to illegal immigrants. Reason why Whitman didnt get my vote!
 
Try being a native born USC with native born child looking to spend $1500-2000/month for health insurance because child is disabled! Your $500/month is chickenfeed. Be grateful; in my state insurance for elderly can cost up to $4000/month each.

Since we provide child with food and place to live, Medicaid is not an option. WHy don't we just throw him out on the streets, you ask? There would be no place to plug in his oxygen equipment.

You wanted them to come live here; they had the option to remain in their home country.
 
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I don't think he should be grateful for anything. Let's be real. This country needs an insurance makeover, the whole thing is a joke. Its outrageous that the OP has to pay $500/month for an insurance that barely covers anything, and when he will really need to use that insurance, the company will try to do whatever they can to get away from having to pay for anything by telling them they are not qualified due to a pre-existing condition or some other legal limbo they can come up with. Let's try to be fair and empathize with people's issues instead of attacking them all the time. Its also outrageous that you have to pay $1500/2000 for a disabled child, but just because you have it worse, doesn't mean the other situation is okay. They are both wrong. What we need is for these insurance companies to come up with something reasonable that includes everyone. Healthcare/insurance shouldn't be a choice....
 
It does need to be changed. but until it is we all have to live with it. It is a fact of life that elderly parents wishing to immigrate to the US will be a burden financially to their sponsoring child. If the child cannot afford it, it is not the responsibility of anyone else to pay his parents medical insurance or any bills. We are stressed enough paying our own. Moving to the US is a CHOICE and a PRIVILEGE. They are not being forced by the US government to move to the US; they can always stay in their home country. No one has the right to dump his parents on the US welfare system. In addition, many of these parents are younger than the US retirement age and many US workers must work past retirement age. Immigrating parents are always free to get a J-O-B and earn their own health insurance and spending money.
 
ConCERNed4us,
I am not arguing the fact that people should be able to take care of their dependents, however sometimes things happen, circumstances change and people have to find another plan. Moving to the US might be a choice and a privilege as you say for some, that doesn't mean they wont be facing any challenges when they first move here, or that they just should keep their mouth shut, enjoy everything or get the hell out if they're not happy. I mean, really?
 
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The challenge with health insurance is a funding model that makes actuarial sense. If there's a 90% chance that a person over 70 is going to incur six figures worth of medical costs within 10 years, there's no way you can avoid $500-$1000/month premiums.
 
kuchchbhee said:
...point i am trying to make is, even after spending $500/mo i barely get any useful insurance.
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What do you get for $500/month?

For most immigrants over 60 who aren't going to work in the US, their health care plan is to go back to their original country for treatment.

If I sponsor my parents, I'll look for an emergency-only plan to cover them in the US in case they unexpectedly have to be hospitalized for a few hours or days. Then for any other treatment, they'll have to go back. Fortunately, "go back" is just a $200 return flight because they're in the Caribbean.
 
Thanks to all for contributing. I would say tho... Americans have become too complacent with the healthcare being driven and controlled by insurance companies. The equation between doctor, patient, pharma & lab should not be as complicated that 30% of dollar spent goes to insurance company. $500/mo wont fetch me anything coz there are hundreds of thousands of insurance employees to be paid... and these employees create mounds of paperwork and processes. To top it all, these are all publicly traded companies under constant shareholder pressure to increase that 30% share of dollar spent. This is fundamentally flawed system.
 
Yet even in Canada, without these problems, there is an issue with health care gobbling up an increasing share of the budget every year. Why?
 
Kuchchbhee -

I am in the same situation as you. Elderly parents with GC, no work history, per-existing conditions. What did you end up doing for your parents? I am in Texas.
 
Options vary be state of residence. Any choice - if one is available - will be expensive; in my state is can be as much as $4,000 per month per person (based on age and gender) in a high risk plan. You should have checked this out before them coming here.
 
kuchchbhee said:
30% of dollar spent goes to insurance company. $500/mo wont fetch me anything coz there are hundreds of thousands of insurance employees to be paid... and these employees create mounds of paperwork and processes. To top it all, these are all publicly traded companies under constant shareholder pressure to increase that 30% share of dollar spent. This is fundamentally flawed system.
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Mounds of paper and regulations created from years in the name of(health care) procedures,rules by these humans now face the reality under their creations of mounds and now do not know how to come out of that rut and in fact groping in dark finding how to see the light in desparation.
They forgot-- 'rules' are to be made by humans,for humans but for betterment of humans .Now they lost in themselves in the same spiderweb they created!!.
The human who is not a part originally was suffering from the deeds of these creators.

That is the saga now.
 
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